Mohan Gupta

Co-founder Foliyo AI, NISM Series X-A, X-B, XXI-A Certified

Bangalore LinkedIn Website

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Questions answered by Mohan Gupta

Kamalika from Mumbai

Grinding 70 hours a week to hit a Rs 2Cr FIRE target by age 40. Am I making a mistake?

I am 32 and completely obsessed with reaching a Rs 2Cr portfolio to achieve early retirement. I work extremely long hours, skip vacations, and barely see my friends or family. I fe…

Sriram from Pune

Investing Rs 15k a month in Flexi-Cap funds for a Europe trip in 3yr. Good strategy?

I am planning a major international vacation 3yr down the line. I need about Rs 6L for this and started a monthly SIP of Rs 15k in a Flexi-Cap Mutual Fund. I am expecting a 10% to…

Monish from Mumbai

Aggressively investing for a Rs 1Cr corpus but ignoring health insurance. Is an emergency fund enough?

I am 28 and investing heavily in equity mutual funds to hit Rs 1Cr in the next 10yr. I have a small emergency fund of about Rs 1L and I live with my parents. I haven't bought a fam…

Anirudh from Ranchi

Should I stretch my budget for a premium ready-to-move flat to motivate myself to earn more?

I found a great ready-to-move flat for Rs 1Cr, but the EMI would take up about 50% of my in-hand salary. I have seen podcasts where people say stretching for a house is good becaus…

Ramachandran from Gurugram

How does down payment size change the math between under-construction and ready-to-move homes?

I have saved up a large corpus and can make a 50% down payment on a house. I am debating between an Rs 80L under-construction flat and a Rs 1Cr ready-to-move flat. Most advice assu…

Rajasekhar from Bengaluru

Is paying a Rs 20L premium for a ready-to-move flat worth it over under-construction?

I am looking at a flat where the under-construction base price is Rs 80L (possession in 2yr) but the ready-to-move option in the same complex is Rs 1Cr. It feels like a massive Rs…

Suguna from Mumbai

Are all newer ULIPs better than mutual funds or do I need to pick specific ones?

I understand that the new rules made ULIPs cheaper and the tax-free maturity is great. I want to invest ₹1 Lakh a year for my newborn's education in 15 years. Can I just pick any U…

Anoop from Delhi

My friend says ULIPs are a scam and I should stick to FDs. Have they actually changed?

I am 30 and planning to start investing ₹1.5 Lakhs a year for the next 10 years. I was looking at some low-cost ULIPs like ICICI Pru Signature because of the tax benefits. My frien…

Ajinkya from Chandigarh

Should I stop my equity SIPs and move to ULIPs to avoid the 12.5% LTCG tax?

I am 31 and currently investing ₹20,000 a month in direct equity mutual funds. With the LTCG tax now at 12.5%, I am seeing a lot of ads about modern ULIPs offering zero tax on matu…